International Association of Deposit Insurers
The International Association of Deposit Insurers (IADI) is an international standard-setting organization that promotes the effectiveness of deposit insurance systems and contributes to the stability of financial systems through international cooperation, research, and the development of best practices. Established in 2002, the association is headquartered in Basel, Switzerland, and is hosted by the Bank for International Settlements (BIS). IADI brings together deposit insurers, central banks, financial supervisory authorities, ministries of finance, and international financial institutions from jurisdictions around the world, serving as the principal international forum dedicated to deposit insurance policy and practice.
The primary objectives of IADI are to enhance the effectiveness of deposit insurance systems, strengthen public confidence in financial institutions, and reduce the likelihood of destabilizing bank runs. The association develops internationally recognized guidance and standards covering deposit insurance design, funding arrangements, governance, public awareness, crisis preparedness, bank resolution, reimbursement systems, and cross-border cooperation. Its most influential publication, the Core Principles for Effective Deposit Insurance Systems, developed jointly with the Basel Committee on Banking Supervision (BCBS), provides internationally accepted benchmarks for establishing and evaluating deposit insurance frameworks. These principles are widely used by national authorities and international organizations in assessing the resilience of banking systems.
In addition to developing standards, IADI conducts research, organizes training programmes, facilitates technical assistance, and provides a platform for information sharing among member institutions. The association examines emerging issues affecting deposit insurance systems, including financial innovation, digital banking, cyber resilience, climate-related financial risks, resolution planning, cross-border banking groups, and the protection of depositors during systemic crises. It also publishes research papers, guidance documents, case studies, and policy reports that support policymakers in strengthening national deposit insurance arrangements and crisis management frameworks.
The International Association of Deposit Insurers works closely with organizations including the Financial Stability Board (FSB), the Bank for International Settlements (BIS), the International Monetary Fund (IMF), the World Bank, the Basel Committee on Banking Supervision (BCBS), and the Federal Deposit Insurance Corporation (FDIC). Through international cooperation, policy development, technical assistance, and standard-setting, IADI plays a central role in enhancing depositor protection, promoting confidence in banking systems, and supporting global financial stability.